Legal

Privacy Policy

Last updated: October 2, 2026

Settle Technologies LLC, a New Mexico limited liability company, doing business as Meet Settle and Settle ("Settle," "we," "us") makes software that helps you settle your own unsecured debt and manage your financial journey. This policy explains what we collect, how we use it, and the choices you have. We built Settle for the consumer — protecting your information is part of that promise.

Information we collect

Account information you give us — name, email, phone, and the credentials you create.
Identity information — to verify you and to pull credit at your request: address, date of birth, and the last four digits of your Social Security number, encrypted at rest. We do not store your full SSN.
Credit data — when you authorize a credit pull, we retrieve your credit report through Spinwheel, a consumer-permissioned credit data provider. We keep the accounts you import, with account numbers masked, and a token for future authorized pulls; we do not store the raw report.
Debt & account information you add or import — creditors, balances, account status, and statute-of-limitations details you choose to track.
Financial connections — when you link a bank through Plaid, we receive limited details needed to show balances and route authorized payments, and keep a secure token. We do not store your bank login or full account and routing numbers.
Usage data — device, log, and interaction data that helps us keep the product secure and working.

How we use information

To provide the service: stage accounts, prepare and certify offers, track settlements, and surface your rights and timing.
To coordinate authorized payments through our licensed escrow and banking partner — released to your creditor only on your authorization.
To communicate with you about your account, and (only with your consent) product updates.
To keep an immutable record of the requests, offers, and payments you authorize.
To protect against fraud and meet legal obligations.

We do not sell your data

We do not sell your personal information, and we never hand your financial life to a sales floor. If we are on anyone's side, it is yours.

When we share information

We share only what's necessary, and only to do what you've asked:

Service providers — our escrow/banking, bank-connection (Plaid), payment (Stripe), credit-data (Spinwheel), identity-verification, and infrastructure partners, under contract and limited to their function.
Creditors — the specific offer details and authorizations you choose to send when you make a settlement request.
Legal & safety — where required by law or to protect users and the platform.

Your choices & rights

Depending on where you live, you may have rights to access, correct, export, or delete your information, and to withdraw consents. You can manage active consents and the full, append-only consent history inside your account settings. To make a request, email [email protected].

Security & retention

We use technical and organizational safeguards to protect your information, and we keep it only as long as needed to provide the service and meet legal obligations. Records you authorize (requests, offers, payments) are retained as durable receipts.

Children

Settle is for adults. We do not knowingly collect information from anyone under 18.

Changes

We'll post any updates here and adjust the "last updated" date. Material changes will be communicated to you directly.

Contact

Questions about privacy? Reach us at [email protected] or through our contact page.

Settle is a software platform, not a lender, debt collector, law firm, money transmitter, or tax advisor. Availability varies by state. Nothing here is legal, financial, or tax advice.